Founder & CEO · Girmiti Software Private Limited

Sanjeev Patil

Thirty years building the invisible infrastructure of global payments products and solutions. From Mobile Payments, NFC Mobile Wallets, Nexo-certified SoftPOS MPOC Acceptance to National Transit Fare Systems and AI-powered commerce — across banks, processors, financial institutes, FMCG, petro, telecom and transit authorities in over twenty-five countries.

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The Person

A builder of
payment infrastructure

Sanjeev Patil is Founder and CEO of Girmiti Software Private Limited (India) and Girmiti Software Inc. (USA) — a fintech product and supply chain technology solutions company delivering Digital Issuing, Omni-Channel Digital Acquiring, AI-powered commerce, and digital Mobile banking/payments platforms to banks, processors, transit authorities, and retailers across the globe.

With an engineering foundation in Electronics & Communication and an MBA, Sanjeev operates at every level of a complex technology engagement — from chip-level EMV kernels, middleware, firmware to boardroom strategy and forecasting. His expertise in implementation and managing spans ERP & Middleware Solutions across FMCG, Manufacturing, Distribution, and Logistics — and extends into Payments and supply chain solutions, building capabilities in Digital Card Issuance, Digital Acquiring, SoftPOS with full Nexo Suite (MPOC), NFC and HCE wallets, Secure Element wallets, Global Platform, eWallet, Applets, ECR Cloud, Loyalty, AI/ML-powered Market Space commerce, Automated Fare Collection, and cloud-native payment gateways — covering main schemes and local schemes globally.

He has been personally involved in pioneering implementations across NFC, HCE, Secure Element, middleware, kernels, firmware — bringing solutions to life across payments, banking, retail, transit, petroleum, telecom, health, hospitality, insurance, sports, events, vending, OEM, and more across five continents.

Beyond Girmiti, Sanjeev is a mentor, strategic partner, and shareholder in three US-based technology ventures — spanning options trading education, consumer eWallet and spend management, and digital financial infrastructure for sports organisations, universities, and college communities.

Core
ERP, Supply Chain & Middleware
  • Hands-on MFG PRO ERP across FMCG, manufacturing, distribution, warehousing, and logistics.
  • Middleware platform integration across distribution plants and logistics operations.
  • Data warehouse — mining, architecture, and modelling. SCM strategy.
MFG PROERPWMSSCMData Warehouse
Core
Issuance, NFC · HCE · SE Wallet · eWallet
  • Pioneered Prepaid, Cr/DB Issuance, Mobile Payments, NFC mobile wallets on iOS, Android, BlackBerry, Windows.
  • Digital Issuance, Host Card Emulation (HCE) — instant provisioning, no SE/TSM dependency.
  • Secure Element (SE) wallets with full TSM integration for banks, including TEE (Trusted Execution Environment) and WBC (White-Box Cryptography) support.
  • eSIM and eSE (Embedded Secure Element) wallet implementations for next-generation device form factors.
  • Standalone eWallet platforms for prepaid, gift, and loyalty — supporting Visa, Mastercard, and RuPay.
NFCHCESE WalleteSIMeSETEEWBCeWalletRuPayTSMPrepaid IssuanceMobile Payments
Core
Gateway, Remittance & Acquiring
  • Multi-scheme Omni-Channel Digital Acquiring supporting Visa, Mastercard, RuPay and other local schemes.
  • Transactions support DCC, Merchant on board, e-commerce, MC Wallet, prepaid, and mobile top-up.
  • Dispute, settlement, reconciliation, chargeback management, distribution, and Loyalty for Acquiring.
  • International remittance — FX engine, AML, SWIFT/UPI/IMPS.
GatewayRemittanceDCC3DS2UPIAcquiring
Core
EMV, Kernels & Firmware
  • Contact and contactless EMV at scale.
  • POS kernel development, firmware management, and device certification across 100+ models — VeriFone, Ingenico, PAX, Castles, Bluebird, NexGo, Sunmi, Telpo, Ciontek.
  • Windows and Linux drivers.
  • Multi-OS support across Android, Linux, and Windows POS environments.
  • SDK development for device manufacturers and payment applications.
  • Applet development and certification for payment schemes including Visa, Mastercard, Amex, Discover, JCB, RuPay, and CUP along with local schemes in different regions across globe.
EMVKernelsFirmwareMulti-OSSDKApplet DevISO 8583ISO 7816Linux/WinAndroid POS
Core
SoftPOS & Nexo Suite
  • MPOC Type-approved SoftPOS with Attestation & Monitoring service and Middleware.
  • Fully certified Nexo Suite: Nexo FAST (POS/SoftPOS), Nexo Retail, Nexo Acquirer, and Nexo TMS.
  • ECR Cloud integration via OPI, SPI, PMS, and proprietary protocols.
SoftPOSNexo FASTNexo RetailNexo AcquirerNexo TMS
Core
Middleware, TMS & Cloud
  • Deep expertise in payment middleware, protocol engines (ISO 8583, ISO 20022, EPAS, APACS, SEPA, NDC, D912, AS-2805, MADA, Nexo).
  • Cloud-native TMS covering device, application, firmware, parameter, kernel management.
  • RKI at scale.
MiddlewareTMSISO 20022EPASRKICloud
Core
Transit AFC & Smart Ticketing
  • End-to-end Automated Fare Collection for city bus networks.
  • NCMC open-loop, account-based ticketing, real-time conductor device management, central clearing — AFC platform.
  • Digital Issuance ticketing, integrated worldwide for ticketing across different wallet types with different regions and states.
AFCNCMCOpen LoopDigital Ticketing
Core
AI / ML & Market Space
  • AI-powered product recommendations and dynamic pricing in the Market Space multi-vendor platform.
  • ML fraud detection, AML screening, RAG-powered search (Sensei Sigma), CBDC P2P applet POC, and predictive analytics across payment operations.
AI / MLMarket SpaceRAGCBDCFraud ML
30+
Years in Fintech
25+
Countries Deployed
100+
POS & SoftPOS Devices Certified
16+
Industry Verticals Served
Girmiti Software

The company
he built

Girmiti Software Private Limited (India) and Girmiti Software Inc. (USA) is a fintech product and technology solutions company delivering payments, transit, loyalty, AI commerce, and digital banking platforms to banks, processors, transit authorities, and retailers globally. Founded and led by Sanjeev Patil, Girmiti's platforms process millions of transactions every day across banking, retail, transit, petroleum, telecom, health, and more.

Visit girmiti.com →
Platform
Card Issuance & eWallet
  • Full-stack Digital Issuance — prepaid, debit, credit, virtual, eWallet, BIN management, BNPL for banks and fintechs.
  • Transactions support DCC, MC Wallet, prepaid, and mobile P2P, SMS, P2M, top-up across Visa, Mastercard, and RuPay.
  • Applet development and certification for payment schemes — enabling secure card provisioning, tokenisation, and contactless transactions at the chip level.
  • Loyalty for Issuance.
Digital IssuanceApplet DevPrepaidTop-upMC WalletRuPayDCC3DS2BNPL
Platform
HCE & SE Wallet
  • HCE wallet — instant NFC provisioning, no SE/TSM dependency.
  • SE wallet with TEE and WBC support, full TSM integration for banks.
  • eSIM and eSE (Embedded Secure Element) support for next-generation device deployments.
  • eWallet for prepaid and gift.
HCESE WalleteSIMeSETEEWBCeWallet
Platform
Market Space
  • AI-powered multi-vendor marketplace — product recommendations, dynamic pricing, catalogue, cart, logistics API integration, and delivery management.
AI/MLCommerceMarket Space
Platform
Loyalty & Rewards
  • Multi-tier loyalty engine — Super Admin, Issuer, Merchant, Customer portals.
  • Gift cards, cashback, gamification, campaign management, ML analytics.
LoyaltyRewardsGamification
Platform
Gateway & Remittance
  • Omni-Channel Digital Acquiring — 3DS2, DCC, fraud, dispute, settlement, reconciliation, chargeback management, Loyalty for Acquiring.
  • Applet development and certification for payment schemes — supporting contactless acquiring, tap-and-pay, and scheme-mandated security standards across terminals and SoftPOS.
  • International remittance with FX, AML, SWIFT/UPI/IMPS. ZATCA/SAMA compliant.
AcquiringGatewayApplet DevDCC3DS2LoyaltyRemittance
Platform
TMS
  • Cloud-native terminal management — device, application, firmware, kernel, parameter management for tPOS, mPOS, and sPOS estates.
  • Includes RKI.
TMSFirmwareRKI
Platform
SoftPOS & Nexo Suite
  • Type-approved SoftPOS on Android.
  • Full Nexo Suite — Nexo FAST, Nexo Retail, Nexo Acquirer, and Nexo TMS.
  • OPI, SPI, PMS ECR integration.
SoftPOSNexoEMV
Platform
AFC
  • Open-loop NCMC fare collection for city bus networks.
  • Account-based ticketing, real-time conductor devices, central clearing.
  • Digital Issuance integrated for ticketing across wallet types.
TransitNCMCAFC
Career

Three
decades
building

A timeline of milestones across technology, geographies, and industries — from ERP middleware to AI-powered fintech at global scale.

Early Career
Foundation — ERP, Middleware & Enterprise Technology
  • Started with India-based ERP implementations, then expanded globally with MFG PRO ERP implementations and account management across FMCG, manufacturing, distribution, warehousing, logistics, dispatching, and CFA operations.
  • Delivered data warehouse solutions (data mining, architecture, modelling), implemented Windows and Linux drivers for POS terminals, and completed cross-platform ERP integrations for global enterprise clients.
India · USA · Europe · Asia Pacific
Mid 2000s
Payments — Risk & Fraud, EMV, Kernels & Mobile Platforms
  • Led POS terminal software development for VeriFone, Ingenico, Hypercom, and others — building SDKs, kernels, and device firmware across 10+ device models, migration, porting.
  • Delivered EMV acquiring and issuance certification with Visa, MC, Amex, Discover, and JCB.
  • Built mobile payment platforms using J2ME, Win CE, IVR, and SMS technologies for non-smartphones.
  • Delivered and executed around 200+ POS applications integration and certification with several hosts, across all regions.
USA · Canada · Japan · Singapore · Mexico
2010–2015
NFC Pioneer — Mobile Wallets, HCE & SE Implementations
  • Delivered early commercial Mobile Payments, NFC Mobile Wallet deployments on iPhone, BlackBerry, and Android — with TSM integration and applet development for banks.
  • Extended into HCE wallets, removing the SE dependency entirely.
  • Delivered Secure Element (SE) wallet implementations with full TSM integration, Mobile top-up, mPOS, tap-and-pay, and bill payment platforms across the Middle East, Africa, and Europe.
UAE · Saudi Arabia · Germany · France · Spain · Latvia · Kenya · Uganda
2015–Present
Scaling Girmiti — Nexo, SoftPOS, AI & Multi-Market
  • As CEO, expanded Girmiti's product portfolio to include Nexo-certified SoftPOS (MPOC), TMS Cloud, ECR Cloud, with kernel for schemes and firmware management, card issuance, loyalty, remittance, and payment gateway.
  • Introduced AI-driven analytics and ML-powered fraud detection.
  • Won mandates globally.
  • Built international partnerships across more than 20 countries in SoftPOS, Nexo, SE TSM, HCE, and Applets for Issuance.
India · UAE · UK · South Africa · Australia · New Zealand · USA · Saudi Arabia
2020–Present
Transit Fintech, Market Space & CBDC Innovation
  • Leading Girmiti's next chapter:
    • Chatak AFC for open-loop NCMC transit on city bus networks
    • Full Nexo Suite certification across all firmware types
    • AI-powered Market Space multi-vendor commerce
    • CBDC P2P applet proof-of-concept
  • Expanding the eCommerce platform for the Saudi Arabia and Middle East market with full ZATCA/SAMA compliance.
Bangalore · Saudi Arabia · Mexico · Germany · Spain · France · New Zealand
Industry Verticals — Girmiti Serves
Banking Finance & Acquiring Retail Transportation & Transit Petroleum ATM Telecom Health Vending OEM Insurance Sports & Entertainment Unattended Hospitality Food & Beverages Ticketing FMCG Distribution Banking Finance & Acquiring Retail Transportation & Transit Petroleum ATM Telecom Health Vending OEM Insurance Sports & Entertainment Unattended Hospitality Food & Beverages Ticketing FMCG Distribution
Global Reach

Solutions deployed.
Borders irrelevant.

From Bangalore to Berlin, from Nairobi to Auckland — Sanjeev has delivered technology projects and built business partnerships across every inhabited continent. He has engaged directly with global leaders, senior executives, and technology decision-makers at banks, payment processors, retailers, transit authorities, and financial institutions worldwide. Across Strategy, Products, Technology, and Innovation — from regional heads to global heads — he has shaped payment solutions and services that span Acquiring, Issuance, Transit, Loyalty, Remittance, and Digital Banking at an enterprise scale.

IndiaUSACanadaMexicoUKGermanyFranceSpainLatviaUAESaudi ArabiaJapanSingaporeAustraliaNew ZealandKenyaUgandaSouth AfricaMiddle EastAsia Pacific
25+
Countries with active deployments
5
Continents served
100+
Enterprise fortune customers worldwide
500+
Enterprise partner engagements and implementations
30+
Years in the industry
16+
Industry verticals
Education & Certifications

Credentials that
speak
for themselves

B.E. Electronics & Communication
Technical foundation for a career spanning three decades in PC Board, microprocessor, embedded payments, POS hardware, firmware, kernel development, NFC applet work, and mobile platform integration.
Engineering
MBA
Post-graduate management qualification enabling Sanjeev to bridge complex fintech technology with commercial strategy and enterprise sales across banking, government, and retail globally.
Management
Executive Development — Supply Chain
Specialist programme in Supply Chain Management — cross-domain delivery across ERP, logistics, warehousing, and distribution verticals at global scale.
Executive
Payment Scheme Certifications
Led certification with Visa, Mastercard, Amex, Discover, JCB, RuPay, CUP, Interac, MADA, and other regional schemes — across POS hardware, SoftPOS (Nexo), mobile applets, and payment applications on VeriFone, Ingenico, PAX, and 40+ OEM device manufacturers.
Certified
Girmiti Software — Company Certifications
Security · AICPA
SOC 2 Type II
Certification confirming that Girmiti's security controls — spanning access control, secure development, change management, vulnerability management, and business continuity — are suitably designed and operating effectively across Pre-paid Issuance, Terminal Management System, Payment Gateway, MPoC SoftPOS, Attestation & Monitoring, and HCE Digital Wallet platforms.
Process · SEI
CMMI Level 5
Highest SEI maturity level — rigorous, repeatable, and continuously improving software development processes across all Girmiti engagements and platforms.
Product · CMMI
CMMI Product Certificate 2025-01
Formal product-level CMMI certification confirming Girmiti's software products meet internationally recognised engineering and quality standards.
Payments · PCI
PCI Secure SLC
PCI Security Standards Council — Secure Software Lifecycle certification validating rigorous security practices embedded throughout the software development lifecycle.
Payments · SOC 2
SOC 2 Certified
SOC 2 Certified for Prepaid, Digital Issuance and Loyalty.
Security · ISO
ISO/IEC 27001:2022
Information Security Management Systems — covering data protection, risk management, and security controls across all Girmiti operations and customer data.
IT Service · ISO
ISO/IEC 20000-1:2018
IT Service Management — ensures structured, reliable delivery of IT services with defined SLAs, incident management, and continuous service improvement.
Privacy · ISO
ISO 27701:2019
Privacy Information Management — extends ISO 27001 to cover global data privacy requirements for personally identifiable information across all platforms.
Cloud Security · ISO
ISO/IEC 27017:2015
Cloud security controls — specific security guidance for cloud service providers, applied across all of Girmiti's cloud-native payment and transit platforms.
Cloud Privacy · ISO
ISO/IEC 27018:2019
Protection of Personally Identifiable Information in public clouds — ensuring customer and transaction data privacy in all Girmiti cloud deployments.
Quality · ISO
ISO 9001:2015
Quality Management System — international baseline for consistent, customer-focused quality across product development, delivery, and support operations.
Continuity · ISO
ISO 22301:2019
Business Continuity Management — ensures operational resilience, disaster recovery capability, and uninterrupted service delivery for Girmiti's global client base.
Environment · ISO
ISO 14001:2015
Environmental Management — commitment to sustainable operations, environmental responsibility, and regulatory compliance across all Girmiti facilities and offices.
Automotive · ISO/SAE
ISO/SAE 21434:2021
Automotive Cybersecurity Engineering — covering cybersecurity risk management for connected and embedded systems, reflecting Girmiti's OEM and connected device capabilities.

Let's build something
extraordinary

Whether you're exploring a partnership, evaluating Girmiti's platforms, or looking to discuss payments strategy — Sanjeev is open to conversation with the right people.

LinkedIn
linkedin.com/in/sanjeevkpatil
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Girmiti Software
www.girmiti.com
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